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Memorandum
September 25, 2014
TO: South Bend Redevelopment Commission
FROM: David Relos, Economic Resources
SUBJECT: TIF Neutralization Professional Services Proposal - H. J. Umbaugh Associates
This professional services proposal from H. J. Umbaugh & Associates is to provide services
for the annual TIF Neutralization worksheets required by state law.
These worksheet calculations are done for each TIF area, and are used to adjust the base
value by adjusting for natural growth in property values.
For example, if the base value of a TIF was originally $1,000,000, and the area had natural
appreciation of 3%, or $30,000, this amount would become part of the increment captured
unless the base is adjusted.
After adjustment, this $30,000 would be added to the base, which would now be
$1,030,000, allowing other taxing jurisdictions to maintain their tax base by capturing the
natural appreciation of property. Increment captured by the TIF area should be a result of
new development, not the natural appreciation in property values that pre-existed the TIF.
The fee for this service is $14,500 ($12,500 for the neutralization plus $2,000 set up fee).
For the last several years this annual fee has been $15,000.
Additionally, with the potential of realigning certain development areas, upon approval of the
TIF realignment, this agreement includes a recalculation of assessed values to allow the
Auditor's office to reallocate values based on these changes. The fee for this service is
$4,000.
Staff requests approval of this professional services agreement in a not-to-exceed amount of
$18,500.
227 W. JEFFERSON BLVD. SOUTH BEND, IN 46601 I P: 574-235-9371 I FAX: 574-235-9021 I SOUTHBENDIN.GOV
UMBAUGH
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Caddied Public Aamurlanti,LLP
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Mishawaka,IN 46544
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September 11,2014
City of South Bend Redevelopment Commission
do Mr. David Relos,Department of Community Investment
227 W.Jefferson Blvd.
Suite 1400 S.
South Bend, IN 46601
Re: Accounting Services Agreement for Annual TIF Administration Services
Dear Mr.Relos:
You have requested that H.J. Umbaugh & Associates, Certified Public Accountants, LLP (the "Firm")
provide to the City of South Bend Redevelopment Commission (the "Client") those services more fully
set forth in Exhibit A hereto(the"Services").
Fees and Costs
Fees charged for work performed are generally based on hourly rates, as set forth in Exhibit B,
for the time expended, a fixed amount or other arrangement as mutually agreed upon as more appropriate
for a particular matter. Hourly rates for work performed by our professionals vary by individual and
reflect the complexity of the engagement.
In addition to fees, we also charge for various ancillary services, for which you will be invoiced.
Such charges may include long distance telephone charges, photocopying, facsimile transmission,
computer research, mileage, travel expenses and other similar charges specifically applicable to the
engagement.
Disclosure of Conflicts of Interest with Various Forms of Compensation
The Municipal Securities Rulemaking Board(MSRB)is expected to require us,as your municipal
advisor,to provide written disclosure to you about the actual or potential conflicts of interest presented by
various forms of compensation. Exhibit C sets forth the potential conflicts of interest associated with
various forms of compensation. By signing this letter of engagement, the signee acknowledges that
he/she has received Exhibit C and that he/she has been given the opportunity to raise questions and
discuss the matters contained within the exhibit with the municipal advisor.
Billing Procedures
Normally, you will receive a monthly statement showing fees and costs incurred in the prior
month. Occasionally, we may bill on a less frequent basis if the time involved in the prior month was
minimal or if arrangements are made for the payment of fees from bond proceeds. The account balance is
due and payable on receipt of the statement. Once our representation has been concluded or terminated, a
final billing will be sent to you. If requested to provide an estimate of our fees for a given matter,we will
endeavor in good faith to provide our best estimate, but unless there is a mutual agreement to a fixed fee,
the actual fees incurred on any project may be less than or exceed the estimate. Any questions or errors in
any fee statement should be brought to our attention in writing within sixty(60)days of the billing date.
Members of the South Bend
Redevelopment Commission
Re: Accounting Services Agreement for Annual TIF Administration Services
September 11,2014
Page 2
Termination
Both the Client and the Firm have the right to terminate the engagement at any time after
reasonable advance written notice. On termination, all fees and charges incurred prior to termination
shall be paid promptly.
Accountants' Opinion
In performing our engagement, we will be relying on the accuracy and reliability of information
provided by Client personnel. We will not audit, review, or examine the information. Please also note
that our engagement cannot be relied on to disclose errors, fraud, or other illegal acts that may exist.
However, we will inform you of any material errors and any evidence or information that comes to our
attention during the performance of our procedures, that fraud may have occurred. In addition, we will
report to you any evidence or information that comes to our attention during the performance of our
procedures regarding illegal acts that may have occurred, unless they are clearly inconsequential. We
have no responsibility to identify and communicate significant deficiencies or material weaknesses in
your internal control as part of this engagement.
The responsibility for auditing the records of the Client rests with the Indiana State Board of
Accounts and the work performed by the Firm shall not include an audit or review of the records or the
expression of an opinion on financial data.
Client Responsibilities
It is understood that the Firm will serve in an advisory capacity with the Client. The Client is
responsible for management decisions and functions,and for designating an individual with suitable skill,
knowledge or experience to oversee the services we provide. The Client is responsible for evaluating
adequacy and results of the services performed and accepting responsibility for such services. The Client
is responsible for establishing and maintaining internal controls, including monitoring ongoing activities.
Additional Services
Exhibit A sets forth the scope of the Services to be provided by the Firm. From time to time,
additional services may be requested by the Client beyond the scope of Exhibit A. The Firm may provide
these additional services and be paid at the Firm's customary fees and costs for such services. In the
alternative, the Firm and the Client may complete a revised and supplemented Exhibit A to set forth the
additional services(including revised fees and costs, as needed)to be provided. In either event,the terms
and conditions of this letter shall remain in effect.
E-Verify Program
The Firm participates in the E-Verify program. For the purpose of this paragraph, the E-Verify
program means the electronic verification of the work authorization program of the Illegal Immigration
Reform and Immigration Responsibility Act of 1996 (P.L. 104-208), Division C, Title IV, s.401(a), as
amended, operated by the United States Department of Homeland Security or a successor work
authorization program designated by the United States Department of Homeland Security or other federal
agency authorized to verify the work authorization status of newly hired employees under the
Immigration Reform and Control Act of 1986 (P.L. 99-603). The Firm does not employ any
"unauthorized aliens"as that term is defined in 8 U.S.C. 1324a(h)(3).
Members of the South Bend
Redevelopment Commission
Re: Accounting Services Agreement for Annual TIF Administration Services
September 11,2014
Page 3
Municipal Advisor Registration
The Firm is a Municipal Advisor registered with the Securities and Exchange Commission and
the Municipal Securities Rulemaking Board. As such, the Firm is providing certain specific municipal
advisory services to the Client. The Finn is neither a placement agent to the Client nor a broker/dealer.
The offer and sale of any Bonds shall be made by the Client, in the sole discretion of the Client,
and under its control and supervision. The Client agrees that the Firm does not undertake to sell or
attempt to sell the Bonds,and will take no part in the sale thereof.
Other Financial Industry Activities and Affiliations
Umbaugh Cash Advisory Services, LLC ("UCAS") is a wholly-owned subsidiary of the Firm.
UCAS is registered as an investment adviser with the Securities and Exchange Commission under the
federal Investment Advisers Act. UCAS provides non-discretionary investment advice with the purpose
of helping clients create and maintain a disciplined approach to investing their funds prudently and
effectively. UCAS may provide advisory services to the clients of the Firm.
UCAS has no other activities or arrangements that are material to its advisory business or its
clients with a related person who is a broker-dealer, investment company, other investment adviser or
financial planner,bank, law firm or other financial entity.
If the foregoing accurately represents the basis upon which we may provide Services to the Client,we ask
that you execute this letter, in the space provided below setting forth your agreement. Execution of this
letter can be performed in counterparts each of which will be deemed an original and all of which together
will constitute the same document.
If you have any questions,please let us know.
Very truly yours,
H.J.Umbaugh&Associates
Certified Pu ' countants, LP
///A
By:
Todd A. Samuelson, Partner
The undersigned hereby acknowledges and agrees to the foregoing letter of engagement.
South Bend Redevelopment Commission
City of South Bend, Indiana
Date: By:
EXHIBIT A
Services Provided
Scope of Services
The Firm agrees to perform the following services for the South Bend Redevelopment Commission (the
"Commission")with respect to all existing TIF Areas located within the City of South Bend(the"City").
Articles I and II below describe services to be performed on an annual basis. Article III describes
additional one-time services that will be performed in the event that the pending 2014 realignment of the
TIF Areas is approved.
Article I. Calculate Base Value Adjustments ("Neutralization") for Trending and General
Reassessments
a. Contact the County Auditor's office and, with its cooperation and based on information
provided by the County Auditor and Assessor, assist in performing or checking
calculations with respect to base value adjustments, including determining base value
adjustment factors, appeal and tax rate assumptions, and captured assessed values in
conjunction with annual Trending or General Reassessments. In performing this work,
we rely on the accuracy of the information provided by the County Auditor and Assessor.
We will not audit their information.
b. If necessary, travel to the County Auditor's and/or County Assessor's offices to perform
field work that may be required. Obtain new tax abatement information, a list of new
developments, a list of demolished structures, a list of parcels with tax status changes,
and outstanding appeals information (if available) for each TIF Area to use in the
calculation. Compare resulting calculations to historical captured value.
Article H. Assist With Assessed Value Certification and Abstract Preparation
a. Assist the County Auditor's office with the monitoring of captured assessed value
amounts for each taxing district that are used during the assessed value certification
process. If needed, assist the Auditor's office with any corrections to captured assessed
value amounts that must be undertaken prior to certification.
b. Assist the County Auditor's office with the monitoring of captured assessed value
amounts for each taxing district that are used in the preparation of the County Abstract.
If needed, assist the Auditor's office with any corrections to captured assessed value
amounts that must be undertaken prior to the completion of the Abstract.
Article III. Calculate the Reallocation of Assessed Values Based on the Proposed 2014
Realignment of TIF Areas
a. Assist the County Auditor's office in the process of reallocating net,base and incremental
assessed values of parcels in connection with the proposed 2014 realignment of the City's
TIF Areas.
EXHIBIT B
Fees
The Firm's fees for services as set forth in Articles I and II of Exhibit A shall be billed at the Firm's
standard billing rates based upon the actual time and expenses incurred. The total annual fee shall not
exceed Twelve Thousand Five Hundred Dollars ($12,500) without prior approval from the Client. In
addition, the Firm will charge an initial setup fee of Two Thousand Dollars ($2,000) for the 2014 base
neutralization process including procedures and documentation that will be non-recurring in subsequent
years.
For services provided under Article III of Exhibit A,the Firm's fees shall be billed at the Firm's standard
billing rates based upon the actual time and expenses incurred. The total fee shall not exceed Four
Thousand Dollars($4,000)without prior approval from the client.
Standard Hourly Rates by Job Classification
01/01/2013
Partners/Principals $210.00 to $350.00
Managers $165.00 to $275.00
Accountants/Financial Analysts $90.00 to $200.00
Paraprofessional Staff $90.00 to $150.00
Support Personnel $60.00 to $105.00
• Billing rates are subject to change periodically due to changing requirements and economic
conditions. Actual fees will be based upon experience of the staff assigned and the complexity
of the engagement.
The above fees shall include all expenses incurred by the Firm with the exception of expenses incurred
for travel, if any, outside the State of Indiana. No such expenses will be incurred without the prior
authorization of the Client. The fees do not include the charges of other entities such as rating agencies,
bond and official statement printers, couriers, newspapers, bond insurance companies, bond counsel and
local counsel, and electronic bidding services, including Parity®. Coordination of the printing and
distribution of Official Statements or any other Offering Document are to be reimbursed by the Client
based upon the time and expense for such services.
EXHIBIT C
Disclosure of Conflicts of Interest with Various Forms of Compensation
The forms of compensation for municipal advisors vary according to the nature of the engagement and
requirements of the client, among other factors. Various forms of compensation present actual or
potential conflicts of interest because they may create an incentive for an advisor to recommend one
course of action over another if it is more beneficial to the advisor to do so. This exhibit discusses
various forms of compensation and the timing of payments to the advisors.
Fixed fee. Under a fixed fee form of compensation, the municipal advisor is paid a fixed amount
established at the outset of the transaction.The amount is usually based upon an analysis by the client and
the advisor of, among other things, the expected duration and complexity of the transaction and the
agreed-upon scope of work that the advisor will perform. This form of compensation presents a potential
conflict of interest because, if the transaction requires more work than originally contemplated, the
advisor may suffer a loss. Thus, the advisor may recommend less time-consuming alternatives, or fail to
do a thorough analysis of alternatives. There may be additional conflicts of interest if the municipal
advisor's fee is contingent upon the successful completion of a financing,as described below.
Hourly fee. Under an hourly fee form of compensation,the municipal advisor is paid an amount equal to
the number of hours worked by the advisor times an agreed-upon hourly billing rate. This form of
compensation presents a potential conflict of interest if the client and the advisor do not agree on a
reasonable maximum amount at the outset of the engagement, because the advisor does not have a
financial incentive to recommend alternatives that would result in fewer hours worked. In some cases, an
hourly fee may be applied against a retainer(e.g., a retainer payable monthly), in which case it is payable
whether or not a financing closes. Alternatively, it may be contingent upon the successful completion of a
financing,in which case there may be additional conflicts of interest,as described below.
Fee contingent upon the completion of a financing or other transaction. Under a contingent fee form
of compensation,payment of an advisor's fee is dependent upon the successful completion of a financing
or other transaction. This form of compensation presents a conflict because the advisor may have an
incentive to recommend unnecessary financings or financings that are disadvantageous to the client. For
example, when facts or circumstances arise that could cause the financing or other transaction to be
delayed or fail to close, an advisor may have an incentive to discourage a full consideration of such facts
and circumstances,or to discourage consideration of alternatives that may result in the cancellation of the
financing or other transaction.
Fee paid under a retainer agreement. Under a retainer agreement, fees are paid to a municipal advisor
periodically (e.g., monthly) and are not contingent upon the completion of a financing or other
transaction. Fees paid under a retainer agreement may be calculated on a fixed fee basis (e.g., a fixed fee
per month regardless of the number of hours worked) or an hourly basis (e.g., a minimum monthly
payment, with additional amounts payable if a certain number of hours worked is exceeded). A retainer
agreement does not present the conflicts associated with a contingent fee arrangement(described above).
Fee based upon principal or notional amount and term of transaction. Under this form of
compensation,the municipal advisor's fee is based upon a percentage of the principal amount of an issue
of securities(e.g., bonds)or, in the case of a derivative,the present value of or notional amount and term
of the derivative. This form of compensation presents a conflict of interest because the advisor may have
an incentive to advise the client to increase the size of the securities issue or modify the derivative for the
purpose of increasing the advisor's compensation.